TY for permission to give my opinion
this may be obvious, but its extremely hard for those at lower level facilities to max out TSP ($19,000 for 2019). Your employee matching contributions will be lower too, because you make less. Its tempting to ask everyone "how much do you do in TSP?" and when ppl say they max it you feel like maybe you should too? But everyone needs to set a budget thats responsible and fits their life circumstances. If you have credit card debt for instance, it would be financially foolish to max out TSP, imo! You can contribute less and still end up w more anyway, if you get in G fund during volatile trade-war times like now, and back into C & S when the market bottoms out (like it did Dec 24). only 2 moves a month so its slightly risky if you dont watch lots of CNBC and have a feel for the current risk conditions.
Almost everyone I know in the FAA rotely signs up for BC/BS Basic. IF you shop around the plans in open enrollment you can often find plans that have hwat you need that are less expensive. This year I switched to one called "FEP Blue Focus" that is $20 less per PP.
You can also save by not donating to the PAC, even when peer pressured to do so. If the shutdown didnt demonstrate to you that they have no pull over Congress, nothing will.
When all else fails, set your deductions to 99 in Employee Express and live for the moment!